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2425 King Oak Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2425 King Oak Ln, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,126 sqft · built 1993
Lot Size0.041 acres (1,785 sqft)
OwnerIndividual Name on File
Last Sale$230,000 (Mar 2023)
Tax Bill$3,023 (2025)
Deeds & MortgagesOct 2026 Mortgage
Mar 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-26-30-0040-0001-1300

Property Details

APN / Parcel Number

Primary APN09-26-30-0040-0001-1300
Alternative APNs
  • 263009004000011300
  • 83178

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,126 sqft Living Area
Gross Area1,168 sqft
1st Floor Area1,126 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Architectural StyleCustom Design
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,785 sqft (0.041 acres)
Lot Dimensions52 ft deep x 34 ft wide
PorchUnfinished Vinyl Porch
Porch Area174 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2425 KING OAK LN
CitySAINT CLOUD
StateFL
Zip34769-6665
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionKING OAK VILLAS PH 2 3RD ADDN PB 7 PG 108 LOT 130
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionKING OAK VILLAS PH 2 3RD ADD
Legal Phase2
Legal Tract40
Legal Block1300
Legal Lot Number130
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3004
Census Tract43208

Owner

2425 King Oak Ln is owned and occupied by an individual who bought it in March 2023.

Source: Osceola County records, as of October 13, 2026

Owner of RecordIndividual Name on File
Mailing Address2425 KING OAK LN, SAINT CLOUD, FL 34769-6665
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 1, 2026Deed of Trust, Mortgage · FHA Mortgage
MORTGAGE CONNECT LP
Mar 1, 2023Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 1, 2023 · Amount on File
Deed SaleMar 1, 2023 · Amount on File
Prior SaleDec 20, 2010
Deed Document Number202323838
Deed Book / Page6364 / 1464
Prior Transfer DateDec 16, 2010
Prior Transfer Doc0000190248
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateOct 1, 2026
Property Address2425 KING OAK LN, SAINT CLOUD, FL 34769-6665
Document Number0000126717
Book / Page7042 / 2320
Instrument DateSep 10, 2026
Instrument2026126717
Transaction TypeMortgage
Record UpdatedOct 13, 2026
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
Address2425 KING OAK LN, SAINT CLOUD, FL 34769-6665

Mortgage

Document Number0000126717,
DateOct 1, 2026
Book Page7042/2320
Instrument2026126717
Lender
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term317 Months
DueMar 1, 2053
Interest
Max Rate-1%

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 1, 2023
Property Address2425 KING OAK LN, SAINT CLOUD, FL 34769-6665
Document Number0063641464
Book / Page6364 / 1464
Map ReferenceMB 7 PG 108
Instrument DateFeb 28, 2023
Instrument2023023838
Transaction TypeTransfer
Record UpdatedMar 17, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3030 S ATLANTIC AVE # AVE102, AVE102, COCOA BEACH, FL 32931-2129

Transferred To (Grantee/Buyer)

NameVerified Name
Address2425 KING OAK LN, SAINT CLOUD, FL 34769-6665

Mortgage

Document Number0063641466
DateMar 1, 2023
Instrument6364/1466
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2425 King Oak Ln was $3,023 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,023.00 Homeowner's exemption$211,768$222,500 Land $30,000 Building $192,500
2023$2,574.00 (+18.56%)$198,300 (+33%) Land $14,900 Building $183,400$198,300 (+33%) Land $14,900 Building $183,400
2022$2,171.00$149,100 Land $14,900 Building $134,200$149,100 Land $14,900 Building $134,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2425 King Oak Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2425 King Oak Ln is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
CenturyLink
DSL · Fiber in parts of the area		140 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: Xfinity.

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